Flexible Repayment (EasiCredit)

An account that gives you standby cash

You have the flexibility to choose how long and how much to repay the amount you borrow.

Easy access to cash anytime via ATM or cheque

Pay interest only on your outstanding amount at the end of each month

Borrow up to 6x your monthly salary

Take as long as you need to pay back outstanding amount

Apply at Any OCBC branch to get approval and cash in 3 minutes


  • Age 21 and above
  • Annual income S$20,000 and above (For customers with annual income less than $30,000, only Singaporeans can apply)
  • Singaporeans, Singapore PRs and foreigners
How to apply

How cash in 3 minutes works

How cash in 3 minutes works | Flexible Repayment EasiCredit | OCBC

How EasiCredit Works

Access your cash loan directly by ATM or cheque

Available Credit | Cash Loans | OCBCHow to access | Cash Loans directly by ATM or Cheque | OCBCLoan Amount | Cash Loans | OCBC

Maximum amount you can borrow

Borrow 2x your monthly salary if it above S$1,667 | Cash Loan | OCBCBorrow 4x your monthly salary if it above S$2,500 | Cash Loan | OCBCBorrow 6x your monthly salary if it above S$10,000 | Cash Loan | OCBC

Interest rates

EasiCredit allows you to make flexible repayments with a minimum repayment of as low as 3% a month. You can take as long as you need to make repayments.

If your income is
S$20,000 - S$29,999

Effective interest rate

Monthly minimum repayment

of outstanding



whichever is


If your income is
S$30,000 or more

Effective interest rate

Monthly minimum repayment

of outstanding



whichever is


Special promotion

As low as 0% a year with a one-time fee of 2.5% ( EIR 5.19% p.a ) for the first 6 months with Balance Transfer

More details

Consolidate your outstanding debts from other banks on lower interest rates with Balance Transfer.

EasiCredit Balance Transfer

0% a year( EIR 5.19% p.a )
for the first 6 months with a one-time fee of 2.5%

Fees & charges

Annual fee

S$80 (waived for the first year if annual income is S$30,000 and above)

Minimum interest charge


Returned cheque

S$40 per cheque

Stop cheque via branch / call centre via online / phone banking



Late payment fee

If annual income is S$30,000 and above: S$85 – S$125*

If annual income is less than S$30,000: S$80

*Subject to 25% of amount due with minimum charge of S$85 and maximum charge of S$125.

Terms and conditions

Easy ways to access and manage your EasiCredit account

Online and Mobile Banking

Track your money

View your account balance online or on-the-go with free apps for iPad, iPhone and Android phones.

100% secure

Guaranteed a full refund of any money lost due to fraud via online banking.

Sunday at OCBC

Open every day at 16 branches from 11am to 7pm

A new banking experience awaits you at our 16 full-service 'Sunday at OCBC' branches.

Learn more about Sunday at OCBC


Exclusive online promotion

OCBC Education Planner

Apply EasiCredit and get a pair of GV movie vouchers when you use S$1,000 or more.


More about promotion

2 ways to apply

Via online

Please note:

  • You will be required to submit your income information via CPF login, so please make sure you have your SingPass username and password ready.
  • Please ensure you have a printer with you as you will need to print and send the completed forms to us.

At a branch

Cash in 3 mins

(Monday to Friday, before  5pm, subject to branch operating hours)

Please bring along:

for Singaporeans and
Singapore PRs


employment pass/work permit or student pass and passport for foreigners

Income documents
  • Latest computerised/electronic payslip (salaried employees) or;
  • CPF contribution history of last 6 months (12 months for self-employed and commission-based earners) or;
  • Latest income tax statement (2 years for self-employed and commission-based earners)

Find nearest branch to apply

Get us to call you


SMS <Online> <Name> <NRIC> to 72222

Example: Online (text space) Joe Lim (text space) A1234567B

Sent text message to 72222

We’ll call you back within 3 working days.